Useful before precise
Our tools help Australians project super balances and retirement income, understand contribution rules and taxes, and explore how fees, drawdowns, and extra contributions change long-term outcomes.
About
Who publishes Superannuation Calculator, what it provides, and how its work is maintained.
Last updated: 28 July 2026
Who publishes this website
Superannuation Calculator is published and maintained by MoneyToolkit, an independent Australian publisher of practical financial calculators and plain-English guides.
MoneyToolkit is responsible for the calculators, editorial content, updates, and corrections on this site. We use a publisher identity so the work is accountable without requiring an individual contributor to make their personal identity public.
We are not affiliated with the ATO, Services Australia, a super fund, investment manager, product issuer, or financial adviser. Advertising does not influence results or editorial conclusions.
What we build
The site includes the main retirement projection plus employer-super, Division 293, carry-forward, drawdown, salary-sacrifice, co-contribution, fee, and balance-by-age calculators.
They are designed for people doing general retirement planning or checking questions to raise with a licensed financial adviser or their super fund.
Sources you can inspect
We prioritise ATO and Services Australia guidance, Commonwealth legislation, Treasury and ASIC Moneysmart material, official rates and caps, and clearly identified retirement research.
Reviewed when inputs change
We prioritise review when super rates, caps, tax or pension rules, official guidance, economic assumptions, or calculator logic changes.
Private by design
Calculator inputs are processed in your browser. You can use the tools without creating an account or sending the values you enter to us.
How to assess our work
Read the calculator methodology for the model, assumptions, and sources, and the editorial policy for our sourcing, review, and independence standards. If something appears wrong or out of date, the corrections policy explains how to report it.
Important limitation
Retirement outcomes are highly sensitive to future returns, fees, inflation, contribution patterns, tax settings, pension rules, and personal circumstances. Projections are not guarantees or product recommendations.